Consumer Finance
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The Consumer Finance Industry
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Author : National Consumer Finance Association
language : en
Publisher:
Release Date : 1962
The Consumer Finance Industry written by National Consumer Finance Association and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1962 with Commercial finance companies categories.
Development Of Consumer Finance In East Asia
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Author : Guogang Wang
language : en
Publisher: Springer
Release Date : 2017-03-13
Development Of Consumer Finance In East Asia written by Guogang Wang and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-03-13 with Business & Economics categories.
This book is distinctive among current studies on this topic. The Chinese economy has entered a period of transformation, which has brought changes to the finance market and consumer habits. For a long time, topics such as monetary policy, reform, financial risks and so forth have been the focus. But there have been few studies of those aspects of the consumer finance market that are directly related to private consumption. Studies on this topic, to which this book contributes, are necessary for understanding the current economic situation in China. This is a full-scale comparative study of consumer finance in China, Japan and South Korea, and will draw lessons for China in this area from the experience of the other two countries.
Handbook Of Consumer Finance Research
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Author : Jing J. Xiao
language : en
Publisher: Springer Science & Business Media
Release Date : 2008-01-03
Handbook Of Consumer Finance Research written by Jing J. Xiao and has been published by Springer Science & Business Media this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-01-03 with Psychology categories.
This handbook surveys the social aspects of consumer behavior, offering latest data and original research on current consumer needs as well as identifying emerging areas of research. This accessible volume (which can be read without advanced training in the field) starts with current concepts of risk tolerance, consumer socialization, and financial well-being, and moves on to salient data on specific settings and populations such as high school students and the older consumer.
Handbook Of Consumer Finance Research
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Author : Jing Jian Xiao
language : en
Publisher: Springer
Release Date : 2016-05-30
Handbook Of Consumer Finance Research written by Jing Jian Xiao and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-05-30 with Psychology categories.
This second edition of the authoritative resource summarizes the state of consumer finance research across disciplines for expert findings on—and strategies for enhancing—consumers’ economic health. New and revised chapters offer current research insights into familiar concepts (retirement saving, bankruptcy, marriage and finance) as well as the latest findings in emerging areas, including healthcare costs, online shopping, financial therapy, and the neuroscience behind buyer behavior. The expanded coverage also reviews economic challenges of diverse populations such as ethnic groups, youth, older adults, and entrepreneurs, reflecting the ubiquity of monetary issues and concerns. Underlying all chapters is the increasing importance of financial literacy training and other large-scale interventions in an era of economic transition. Among the topics covered: Consumer financial capability and well-being. Advancing financial literacy education using a framework for evaluation. Financial coaching: defining an emerging field. Consumer finance of low-income families. Financial parenting: promoting financial self-reliance of young consumers. Financial sustainability and personal finance education. Accessibly written for researchers and practitioners, this Second Edition of the Handbook of Consumer Finance Research will interest professionals involved in improving consumers’ fiscal competence. It also makes a worthwhile text for graduate and advanced undergraduate courses in economics, family and consumer studies, and related fields.
The Consumer Finance Industry
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Author : National Consumer Finance Association
language : es
Publisher:
Release Date : 1962
The Consumer Finance Industry written by National Consumer Finance Association and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1962 with categories.
National Commission On Consumer Finance The Report Of The National Commission On Consumer Finance
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Author : United States. Congress. Senate. Committee on Banking, Housing and Urban Affairs. Subcommittee on Consumer Credit
language : en
Publisher:
Release Date : 1973
National Commission On Consumer Finance The Report Of The National Commission On Consumer Finance written by United States. Congress. Senate. Committee on Banking, Housing and Urban Affairs. Subcommittee on Consumer Credit and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1973 with Consumer credit categories.
The Consumer Finance Industry
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Author : John M. Chapman
language : en
Publisher: New York : Columbia University Press
Release Date : 1967
The Consumer Finance Industry written by John M. Chapman and has been published by New York : Columbia University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 1967 with Business & Economics categories.
Monograph On The Consumer Finance Industry For The Commission On Money And Credit
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Author : American Financial Services Association
language : en
Publisher:
Release Date : 1960
Monograph On The Consumer Finance Industry For The Commission On Money And Credit written by American Financial Services Association and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1960 with Commercial finance companies categories.
An Overview Of Consumer Finance And Policy Issues
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Author : Cheryl R Cooper
language : en
Publisher:
Release Date : 2019-08-02
An Overview Of Consumer Finance And Policy Issues written by Cheryl R Cooper and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-08-02 with categories.
Consumer finance refers to the saving, borrowing, and investment choices that households make over time. These financial decisions can be complex and can affect households' financial wellbeing both now and in the future. Safe and affordable financial services are an important tool for most American households to avoid financial hardship, build assets, and achieve financial security over the course of their lives. Understanding why and how consumers make financial decisions is important when considering policy issues in consumer financial markets. Households borrow money for the following common reasons: investments-such as a home or education-to build future wealth, consumption smoothing (i.e., paying later to consume things now), and emergency expenses. Most households rely on credit to finance some of these expenses, because they do not have enough money saved to pay for them. According to the Federal Reserve Bank of New York, mortgage debt is by far the largest type of debt for households, accounting for approximately 67% of household debt. Student debt is the second-largest household debt, followed by auto loans and credit cards. Consumer financial markets generally share similar market dynamics. In all of these markets, consumers often act in similar ways when making financial decisions and firms tend to act in comparable ways to attract consumers. Therefore, the government tends to consider similar policy interventions when regulating in these markets. Competitive free markets generally lead to efficient distributions of goods and services to maximize value for society. Yet sometimes, free markets are inefficient when particular issues arise. Common issues in consumer financial markets include (1) information asymmetries between financial firms and consumers and (2) behavioral biases that predictably bias consumers when making financial decisions. In these cases, government policy can potentially correct market failures to bring the market to a more efficient outcome, maximizing social welfare. In consumer finance, three types of policy interventions are common: (1) standardized consumer disclosures; (2) regulation to prevent deceptive, unfair, or abusive financial institution practices; and (3) regulation to prevent discrimination in consumer-lending markets. Yet, policymakers need to be aware of unintended consequences of proposed policies, and often find it challenging to determine whether a policy intervention will help or harm a particular market's efficiency. In response to the 2007-2009 financial crisis, the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act (DoddFrank; P.L. 111-203) established the Bureau of Consumer Financial Protection (CFPB) to implement and enforce federal consumer financial law while ensuring consumers can access financial products and services. The CFPB's authorities fall into three broad categories: rulemaking, writing regulations to implement laws under its jurisdiction; supervision, the power to examine and impose reporting requirements on financial institutions; and enforcement of various consumer protection laws and regulations. The CFPB generally has regulatory authority over providers of an array of consumer financial products and services. The major consumer financial markets include mortgage lending, student loans, automobile loans, credit cards and payments, payday loans and other credit alternative financial products, and checking accounts and substitutes. In addition, two important market structures allow these consumer financial products to be offered: (1) the consumer credit reporting system and (2) the debt collection market. These aspects of the consumer credit system facilitate the pricing of credit offers and the resolution of delinquent consumer credit products for most consumer credit markets.
The Development Of Consumer Credit In Global Perspective
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Author : J. Logemann
language : en
Publisher: Springer
Release Date : 2012-07-16
The Development Of Consumer Credit In Global Perspective written by J. Logemann and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-07-16 with History categories.
This volume brings together historians, economists, political scientists, and anthropologists to present a global perspective on the new forms of lending and borrowing that have become a key feature of twentieth-century mass consumer societies, emphasizing comparative and transnational historical perspectives.
